RNST
Financial ServicesRenasant Corporation · Banks - Regional · $4B
What is Renasant Corporation?
Renasant Corporation is a Mississippi-based bank holding company serving retail and commercial customers across the southeastern United States. Through Renasant Bank, it delivers banking, insurance, and wealth management services under one regional umbrella.
Renasant generates revenue primarily through traditional community banking — accepting deposits and extending loans across commercial, real estate, and consumer categories. Its Insurance segment distributes commercial and personal insurance products, while the Wealth Management segment administers trust accounts, custodial accounts, and investment services through a third-party broker-dealer. This three-segment model gives the bank diversified, fee-based income streams alongside its core lending business.
Founded in 1992 and headquartered in Tupelo, Mississippi, Renasant has grown steadily through community-focused banking.
- Community banking — checking, savings, and business loans
- Commercial and real estate lending, including construction loans
- Insurance agency services for businesses and individuals
- Wealth management, trust administration, and fiduciary services
Is RNST a Good Stock to Buy?
UQS Score rates RNST as Below Average overall, reflecting a mixed picture across its five quality pillars.
Valuation stands out as the clearest positive signal — RNST screens as Attractive relative to sector peers, suggesting the market may not be fully pricing in its fundamentals. Quality and Risk both register as Neutral, indicating the bank is neither a standout nor a red flag on those dimensions.
The Moat pillar is rated Weak, pointing to limited competitive differentiation in a crowded regional banking landscape. Growth also reads as Neutral, suggesting limited near-term earnings acceleration.
See the exact pillar breakdown and full financial metrics by signing up for a UQS Pro account. Sign up free →
Past performance does not guarantee future results. UQS Score is based on fundamental data and is not a buy/sell recommendation.
Does RNST pay dividends?
Yes — Renasant Corporation pays a dividend.
Renasant pays a regular dividend, consistent with the income-oriented tradition of community banks. Regional banks at this scale typically use dividends to return capital to shareholders while maintaining regulatory capital ratios. Investors seeking steady income may find RNST's dividend cadence appealing, though the payout should be weighed against the bank's overall growth and moat profile.
When does RNST report earnings?
Renasant Corporation reports earnings on a quarterly cadence, typical for US-listed bank holding companies.
As a community bank, Renasant's quarterly results are shaped by net interest margin trends, loan growth, credit quality, and fee income from its insurance and wealth management segments. Performance tends to track regional economic conditions across its southeastern footprint.
For the most recent quarter's results and guidance, visit Renasant Corporation's investor relations page directly.
RNST Price History
+2.4% over 5Y
Monthly close, adjusted for stock splits and dividend reinvestment.
What if I invested in Renasant Corporation?
Based on Renasant Corporation's historical closing prices, adjusted for stock splits and dividend reinvestment. Past performance does not guarantee future results. This is for informational purposes only and is not financial advice.
RNST Long-term Outlook
With Growth and Quality both rated Neutral, Renasant's near-term trajectory appears steady rather than accelerating. The Attractive Valuation label suggests potential upside if the bank can improve earnings consistency. However, the Weak Moat rating signals that competitive pressure from larger banks and fintech alternatives could limit pricing power over time. Risk is rated Neutral, meaning the balance sheet does not present outsized concerns but also offers no particular buffer against a deteriorating credit environment.
Growth drivers
- Expansion of fee-based income through insurance and wealth management segments
- Loan growth tied to southeastern regional economic activity
- Potential for operational efficiency improvements across community banking branches
Key risks
- Weak competitive moat in a crowded regional banking market
- Interest rate sensitivity affecting net interest margin
- Credit quality risk if regional economic conditions soften
RNST vs Peers
Renasant competes with other regional and community-focused bank holding companies, each with a distinct geographic footprint and service mix.
Independent Bank Corp. operates primarily in New England, giving it a different regional exposure and customer base compared to Renasant's southeastern focus.
Inter & Co. is a digital-first financial platform with Latin American roots, representing a technology-driven alternative to Renasant's traditional branch-based model.
WSFS Financial serves the Delaware Valley region and has built a notable wealth management and trust services business alongside its core banking operations.
Frequently Asked Questions
What does Renasant Corporation do?
Renasant Corporation is a bank holding company for Renasant Bank, offering community banking, insurance agency services, and wealth management to retail and commercial customers primarily across the southeastern United States. It operates through three business segments: Community Banks, Insurance, and Wealth Management.
Does RNST pay dividends?
Yes, Renasant pays a regular dividend. This is consistent with the capital-return practices common among community and regional bank holding companies. Investors should review the current dividend rate and payout history on Renasant's investor relations page for the most up-to-date information.
When does RNST report earnings?
Renasant reports earnings on a quarterly basis, in line with standard US public company requirements. For exact dates of upcoming earnings releases, check Renasant Corporation's investor relations page or your brokerage's earnings calendar.
Is RNST a good stock to buy?
UQS Score rates RNST as Below Average overall. The Valuation pillar is Attractive, which may interest value-oriented investors, but the Weak Moat and Neutral Growth ratings temper the overall picture. The complete pillar breakdown is available to UQS Pro members.
Is RNST overvalued?
Based on the UQS Valuation pillar, RNST is rated Attractive — meaning it does not appear overvalued relative to sector peers. However, valuation alone does not determine investment quality; the full five-pillar profile provides a more complete picture.
How does RNST compare to its competitors?
Renasant competes with regional banks like Independent Bank Corp. and WSFS Financial, as well as digital-first platforms like Inter & Co. Each competitor differs in geography, business mix, and technology adoption. UQS Pro members can view side-by-side pillar comparisons for all listed peers.
What is RNST's market cap bracket?
Renasant Corporation is classified as a mid-cap company. This places it above smaller community banks but well below the large national banking institutions, reflecting its regional scale and southeastern US footprint.
Who founded Renasant Corporation?
Renasant Corporation was founded in 1992. Detailed founding history, including the names of original founders, is publicly available through the company's official history and investor relations materials.
Is RNST a long-term quality investment?
As a long-term quality indicator, RNST's Below Average UQS Score reflects mixed fundamentals — an Attractive valuation offset by a Weak Moat and Neutral Growth. Long-term investors focused on quality may want to monitor whether the bank can strengthen its competitive positioning over time.
What is the main competitive advantage of Renasant Corporation?
Renasant's primary competitive advantage lies in its deep community banking relationships across the southeastern US, supplemented by diversified fee income from insurance and wealth management. However, the UQS Moat pillar rates this advantage as Weak relative to broader sector peers.
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Pro Analysis
RNST — Score History
| Date | UQS | Quality | Moat | Growth | Risk | Value | Change |
|---|---|---|---|---|---|---|---|
| May 21, 2026 | 54.0 | 52.5 | 24.0 | 53.4 | 72.7 | 88.7 | +3.5 |
| May 7, 2026 | 50.5 | 50.2 | 24.0 | 53.4 | 57.2 | 84.2 | -0.1 |
| May 2, 2026 | 50.6 | 50.2 | 24.0 | 53.4 | 57.2 | 85.1 | 0.0 |
| May 1, 2026 | 50.6 | 50.2 | 24.0 | 53.5 | 57.2 | 85.1 | +0.1 |
| Apr 26, 2026 | 50.5 | 50.2 | 24.0 | 53.5 | 57.2 | 84.4 | +0.2 |
| Apr 19, 2026 | 50.3 | 50.2 | 24.0 | 53.5 | 57.2 | 83.0 | -0.1 |
| Apr 18, 2026 | 50.4 | 50.2 | 24.0 | 53.5 | 57.2 | 83.8 | -1.8 |
| Apr 14, 2026 | 52.2 | 50.2 | 24.0 | 53.5 | 57.2 | 95.5 | -6.2 |
| Apr 13, 2026 | 58.4 | 49.0 | 50.0 | 53.5 | 57.2 | 95.7 | +6.2 |
| Apr 12, 2026 | 52.2 | 50.2 | 24.0 | 53.5 | 57.2 | 95.7 | -0.2 |
RNST — Pillar Breakdown
Quality
— 52.6/100 (25%)Renasant Corporation has average quality metrics, with room for improvement in margins or capital efficiency.
Profitability relative to shareholders' equity.
Ability to convert revenue into operating profit.
Bottom-line profit as a share of revenue.
Free cash flow relative to market value.
Growth
— 53.5/100 (20%)Renasant Corporation shows steady but unspectacular growth, typical for mature companies.
Revenue trajectory over the last twelve months.
Compound annual revenue growth rate over 3 years.
Year-over-year earnings per share growth.
Analyst consensus for future revenue growth.
Analyst consensus for future earnings growth.
Risk
— 72.7/100 (15%)Renasant Corporation maintains a reasonable risk profile with manageable debt levels.
Total debt relative to shareholder equity.
Short-term liquidity — ability to pay near-term obligations.
Earnings capacity relative to interest payments.
Valuation
— 88.9/100 (15%)Renasant Corporation appears attractively valued relative to its earnings, cash flows, and sector peers.
Inverse of forward P/E — higher yield means cheaper stock.
How many years of FCF the market cap represents.
P/E relative to earnings growth — lower is more attractive.
Enterprise value multiple relative to sector median.
Moat
— 24/100 (25%)Renasant Corporation operates in a highly competitive environment with limited sustainable advantages. The Moat pillar evaluates competitive advantages across five dimensions: Switching Costs, Network Effects, Cost Advantage, Intangible Assets, and Scale & Ecosystem. Sign in to customize moat ratings for RNST.
Score Composition
Financial Data
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How is the RNST UQS Score Calculated?
The UQS (Unified Quality Score) for Renasant Corporation is calculated using a proprietary 6-pillar framework with 29 financial metrics. Each pillar evaluates a different dimension on a 0–100 scale, then combines into a single weighted score. Scoring thresholds are calibrated per sector. Momentum is an optional Pro toggle — without it, you get the 5-pillar / 25-metric core shown below.
Quality (25%) measures profitability and capital efficiency — ROIC, ROE, margins, GP/Assets, and FCF Yield.
Moat (25%) assesses Renasant Corporation's competitive advantages across switching costs, network effects, cost advantages, intangible assets, and ecosystem scale.
Growth (20%) tracks revenue trajectory and earnings momentum, combining historical results with analyst forward estimates.
Risk (15%) is inversely scored — lower leverage and strong balance sheet health result in higher scores.
Valuation (15%) measures whether Renasant Corporation is fairly priced using earnings yield, price-to-FCF, PEG ratio, and EV/EBITDA relative to sector peers.
Six investor-inspired presets are available, each with different pillar weights: Balanced, Buffett, Munger, Lynch, Cathie Wood, and Graham. The public score shown here uses the Balanced preset. Learn more in our FAQ.